Mortgage Rates : Home Bank

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Mortgage Rates

What to look for in a Mortgage Loan

Rates effective as of 10:45 a.m. 1/05/2009.

Home Bank Conforming Mortgage Products

Fixed Rates	Rate	Origination Fee	Discount Points	APR
30 Year	5.500%	0.00	0.00	5.5399%
	5.000%	0.75	0.00	5.1055%
	4.625%	1.00	0.75	4.8164%
15 Year	4.875%	0.00	0.00	4.9419%
	4.500%	1.00	0.00	4.7180%
	4.375%	1.00	0.50	4.6687%
FHA Loans	Rate	Origination Fee	Discount Points	APR
30 Year	5.500%	0.75	0.00	6.3688%
VA Loans	Rate	Origination Fee	Discount Points	APR
30 Year	5.500%	0.00	0.00	5.6932%
ARM Loans	Rate	Origination Fee	Discount Points	APR
5 Yr. - 30 Yr.	5.750%	0.00	0.00	5.3362%
Construction Loans	Rate	Origination Fee	Discount Points	APR
30 Yr. Term	6.000%	0.00	0.00	6.0786%
15 Yr. Term	5.750%	0.00	0.00	5.8808%

Additional fees and terms may apply. Maximum Loan - $417,000.

ARM Loans:
Maximum Loan - $417,000.

Index - 1 Yr. T-Bill 0.400%
Margin: 2.75%
Caps: 2% year, 5% life
Floor: Initial note rate

Construction Loans:
Maximum Loan - $417,000.

One-Time Closing
9-Month Construction Period

Fixed - APR calculations are based on a $100,000 loan amount, 80% LTV, Rate, Term, & Points as stated. Fees totaling $454 + 30 days of per diem interest are also included.

FHA - APR calculations are based on a $100,000 loan amount + FHA MIP, Rate, Term, & Points as stated. Fees totaling $481.95 + 30 days of per diem interest are also included.

VA - APR calculations are based on 100% financing of an adjusted loan amount of $102,150 + Term, & Points as stated. Fees totaling $2,160.95 includes VA Funding Fee of 2.15% rate + 30 days of per diem interest.

ARM - APR calculations are based on a $100,000 loan amount, 80% LTV, Rate, Term, & Points as stated. Fees totaling $454 + 15 days of per diem interest are also included for ARMs and 30 days for Fixed Rate.

Construction - APR calculations are based on a $100,000 loan amount, 80% LTV, Rate, Term, & Points as stated. Fees totaling $854 are included.

Jumbo Loan Rates are available upon request.

Please note that interest rates, points, and terms are subject to change without prior notification. Rates may be locked in with a completed loan application, referencing a specific product. Home Bank is an Equal Housing Lender.

Please contact a mortgage originator to verify current market rates. Click for contact information for our mortgage team.

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